Knowledge Base | Debt Review Guides & Resources

What Is Debt Review and How Does It Work?

A complete guide to the debt review process in South Africa — what it is, how it works, and who qualifies under the National Credit Act.

Debt Review vs Debt Consolidation

Understand the key differences between debt review and debt consolidation to choose the right solution for your financial situation.

How to Get Out of Debt in South Africa

Practical strategies and legal options to help you break free from debt in South Africa, from budgeting tips to formal debt relief.

How Much Does Debt Review Cost?

A transparent breakdown of all debt review fees in South Africa — what you pay, when you pay it, and how fees are regulated by the NCR.

The Debt Review Process Step by Step

Follow the complete debt review journey from application to clearance certificate. Every step explained in plain language.

Can I Lose My Car in Debt Review?

Find out how debt review protects your vehicle from repossession and what happens to your car finance during the process.

Can I Lose My House in Debt Review?

Learn how debt review protects your home from repossession and what the National Credit Act says about your mortgage.

What Happens If I Stop Paying Debt Review?

Understand the consequences of missing debt review payments and what options are available if you can no longer afford your plan.

Section 129 Notice — What It Means and What to Do

Received a Section 129 letter? Learn what it means, your legal rights, and why acting quickly could save your assets.

Life After Debt Review — What to Expect

What happens when you complete debt review? From clearance certificates to rebuilding your credit score — your guide to financial freedom.

Can I Buy a Car Under Debt Review?

Find out whether you can buy a car while under debt review in South Africa. Cash purchases, rent-to-own, and what the NCA says.

Can I Get a Cellphone Contract Under Debt Review?

Learn why cellphone contracts are credit agreements and discover affordable alternatives — prepaid, SIM-only, and VOIP options.

How Long Does Debt Review Take?

The typical debt review timeline is 3-5 years. Learn what affects the duration and how to finish faster.

Debt Review and Your Credit Score

How debt review affects your credit score, the debt review flag at credit bureaus, and how to rebuild your credit after clearance.

Debt Review for Married Couples

How your marriage type (community of property vs ANC) determines whether both spouses must apply for debt review.

What Happens If I Lose My Job During Debt Review?

Debt review does not stop if you lose your job. Here is what to do — from UIF claims to renegotiating with creditors.

Debt Review vs Sequestration

A detailed comparison of debt review (NCA) and sequestration (Insolvency Act). When to choose which and the key differences.

Debt Review vs Administration Order

How administration orders compare to debt review — the R50,000 limit, regulated fees, and why debt review is usually better.

Prescribed Debt in South Africa

When does debt prescribe? The 3-year rule, how prescription is interrupted, and what debt collectors cannot legally do.

Debt Review Clearance Certificate (Form 19)

What is a clearance certificate, when is it issued, and how it removes the debt review flag from your credit record.

Can My Employer Know I Am Under Debt Review?

Your rights regarding privacy, credit checks at work, and why you cannot be fired for being under debt review.

Documents Needed for Debt Review

A complete checklist of every document you need to apply for debt review — ID, payslip, bank statements, and more.

Can I Rent a Property Under Debt Review?

Find out if you can rent a home or apartment while under debt review. Renting is not a credit agreement — your rights and practical tips.

Can I Travel Overseas Under Debt Review?

Debt review does not restrict your freedom to travel. Understand the difference between debt review and sequestration travel rules.

Debt Review for Self-Employed People

Self-employed? You can still apply for debt review. Learn about income verification, business vs personal debts, and sole proprietor rules.

Debt Review and Divorce in South Africa

How divorce affects debt review — community of property vs ANC, joint debts, and what happens to your restructured payment plan.

What Happens If I Miss a Debt Review Payment?

Missed a debt review payment? Learn the consequences, Section 86(10) risks, and what to do immediately to protect your debt review status.

What Happens to My Credit Card Under Debt Review?

Your credit card is frozen during debt review. Learn how credit card debt is restructured, what about store cards, and life without credit.

Debt Review and Your Home Loan

How debt review affects your mortgage bond — reduced payments, asset protection, and what happens to your home loan during the process.

Reckless Lending in South Africa

Was your loan recklessly granted? Section 80 of the NCA protects you. Learn what reckless lending is and how to get relief.

Debt Review vs Insolvency

Compare debt review and insolvency (sequestration) in South Africa. Key differences in process, cost, asset protection, and long-term impact.

Debt Review vs Paying Minimum Payments

See the real math — how minimum payments can cost you double. Compare the true cost of minimum payments vs structured debt review repayment.

Best Debt Review Companies in South Africa

How to choose a reputable debt review company. A 10-point checklist, red flags to avoid, and what to look for in an NCR-registered debt counsellor.

Debt Counselling vs Financial Advisor

NCR debt counsellors vs FSCA financial advisors — who to see when. Understand the difference between reactive debt help and proactive financial planning.